So I'm starting a new FO4 playthrough, just getting Sanctuary squared away, pull materials, yadda yadda. You delete a bunch of crap from the universe and accomplish feats of human engineering by turning it into things like firearms and fully-functioning water purifiers (the whole GECK thing... ezpz, they're idiots, apparently.)
As I was clearing out my missing son's bedroom, converting his crib to wood... usual moving stuff, I was thinking "I'm going to put roughly nine people on sleeping bags in here." and it occurred to me, it's what I've always done.
In every playthrough, one of the first things I do after removing all remaining traces of the whole 'lost family' that I'm still grieving from the remnants of our 200-year-old, bomb-tattered home, is fill it with gross, shitty sleeping bags, ultimately putting around 20 people to bed in there. And like... the floor is still dirty.... and there are no lights... or anything, except sleeping bags. The floor is sleeping bags.
And that's where they all sleep. In one house on a huge, very safe settlement FULL of houses and stuff... well , and it's just two rooms in the house, really. Piling in like refugees. In the daytime they work the fields and they scour. Sturges hits a wall with a hammer sometimes. This is typically how I leave them, for the whole playthrough. What a life.
I'm not a sadist... it's dominant strategy. Very efficient use of space, inexpensive materials. No downsides protection-wise. And no benefits to improving beyond that point. It's a waste of time and materials. The problem of bedding is already solved.